84. In my judgment it is quite probable that in the case of Rabbi Meisels as in the case of Mr Fisher, Mr. Lichtman’s enthusiasm in promoting the interests of the charity may have led him to misunderstand what the other party was intending or agreeing to. Mr. Lichtman knew that the charity had an urgent need of further funds, whether for the Craven Walk synagogue or otherwise. I am sure that he can be a forceful advocate for the cause, and I conclude that his prime concern would be to obtain funds by one means or another. He might have assumed that any funds he obtained could be treated as gifts or merely hoped that a loan given in one set of circumstances would be converted into an outright gift by an apparently wealthy member of the Stamford Hill orthodox community who shared some sympathies with the aims of the Israel charity and who could be prevailed on to show solidarity. 85. I recognise the point made forcefully by Mr. Hornett on behalf of the Defendants that if this was the commercial transaction that the Claimant states, it is extraordinary that he did not respond to the failures to collect in January by a clear statement of his case and start proceedings to secure the return of his monies. I conclude that this is not simply a commercial transaction between the parties. Here again the cultural background to this case is of significance. It concerns religious and charitable functions likely to be recognised as of importance to both. It concerns personal relations inside the Hasidic community in North London, social standing, mutual respect and esteem. I am conscious from the numbers of people attending court and indeed the evidence of the Second Defendant that this dispute is of considerable interest in the broader community of observant Jews. In such a context there may well be reluctance to stand on legal rights to the prejudice of an esteemed charity by pressing for a return of funds that were apparently urgently needed for philanthropic purposes. 86. There would be understandable reluctance to turn to the machinery of the civil courts, solicitors and formal recovery procedures. There may also be reluctance to undermine personal business relations in Stamford Hill and possibly create scandal or social turmoil by instituting proceedings in the rabbinical courts either in the UK or the US. 87. The impression I have of the Claimant from the witness box is of a reserved quiet and personal man who would avoid conflict and social turmoil if he could. He appears to have depended on personal trust and honour in his dealings with the charity, rather than resort to professional advisers and professionally drafted agreements that he delegated to others to execute. 88. The Defendants point out that when the claim was expressed formally in correspondence in February 2006 it was confused and inconsistent as to the sums. I have already made some observations on this letter. As against the criticism of inconsistency by the Claimant, it can be said that the Claimant was clear from December 2005 that both transactions were loans. The First Defendant did not assert that the payments were gifts in the correspondence with the BDZ. They are not even said to be gifts in the Defence drafted in June 2006, it is merely asserted that they were assumed to be. 89. I further consider that the November text message is a pointer much more consistent with the Claimants case than the First Defendants. I take note of the proposition that a text is not a contract and cannot be construed as such, but I find it quite impossible to read the phrase “I will send the money” as “if you want a loan fill in the necessary

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